Symbols / RVYL $5.60 -1.93%
RVYL Chart
About
Ryvyl Inc., a financial technology company, develops software platforms and tools that focuses on providing payment acceptance and disbursement capabilities in North America, Europe, and Asia. It offers dual-sided platform that enables businesses to accept payments from customers while distributing funds to vendors, employees, and partners; treasury management services; and payment solutions, including automated clearing house and wire transfer services. The company also provides IBAN issuance; foreign exchange; and electronic money institution services, as well as card issuing services, such as debit, credit, and virtual cards. It serves customers in various industries, including retail, e-commerce, financial services, logistics, healthcare, and other sectors. The company was formerly known as GreenBox POS and changed its name to Ryvyl Inc. in October 2022. Ryvyl Inc. is based in San Diego, California.
Fundamentals
Scroll to Statements| Sector | Technology | Industry | Software - Infrastructur | Market Cap | 7.09M |
| Enterprise Value | 8.00M | Income | -13.42M | Sales | 48.86M |
| Book/sh | -3.51 | Cash/sh | 1.12 | Dividend Yield | — |
| Payout | 0.00% | Employees | 95 | IPO | — |
| P/E | — | Forward P/E | 20.00 | PEG | — |
| P/S | 0.15 | P/B | -1.60 | P/C | — |
| EV/EBITDA | -2.07 | EV/Sales | 0.16 | Quick Ratio | 0.08 |
| Current Ratio | 0.82 | Debt/Eq | — | LT Debt/Eq | — |
| EPS (ttm) | -29.31 | EPS next Y | 0.28 | EPS Growth | — |
| Revenue Growth | -1.60% | Earnings | 2025-11-14 16:00 | ROA | -3.84% |
| ROE | -8.65% | ROIC | — | Gross Margin | 41.06% |
| Oper. Margin | -43.22% | Profit Margin | -40.87% | Shs Outstand | 1.27M |
| Shs Float | 823.16K | Short Float | 7.32% | Short Ratio | 1.68 |
| Short Interest | — | 52W High | 81.55 | 52W Low | 4.50 |
| Beta | 2.65 | Avg Volume | 312.39K | Volume | 5.14K |
| Target Price | — | Recom | None | Prev Close | $5.71 |
| Price | $5.60 | Change | -1.93% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
—
Mean price target
2. Current target
$5.70
Latest analyst target
3. DCF / Fair value
$-109.29
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$5.70
Low
—
High
—
Mean
—
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2025-10-06 | reit | HC Wainwright & Co. | Neutral → Neutral | — |
| 2025-04-03 | reit | HC Wainwright & Co. | Neutral → Neutral | — |
| 2025-02-26 | reit | HC Wainwright & Co. | Neutral → Neutral | — |
| 2024-11-15 | reit | HC Wainwright & Co. | — → Neutral | — |
| 2024-05-15 | reit | HC Wainwright & Co. | — → Neutral | — |
- RYVYL will turn 35 shares into 1 to meet Nasdaq's $1 rule - Stock Titan ue, 30 Dec 2025 08
- $RVYL stock is up 9% today. Here's what we see in our data. - Quiver Quantitative Fri, 28 Nov 2025 08
- This Thinly Traded Nasdaq Stock Is Back Above $1 – And Retail Traders Are Swarming - Stocktwits Fri, 23 Jan 2026 10
- Ryvyl stock plummets after shareholders approve reverse split - Investing.com hu, 18 Dec 2025 08
- Ryvyl (RVYL) Stock Is Ripping Higher After Hours: Here's Why - Sahm ue, 30 Sep 2025 07
- RYVYL Announces Stockholder Approval of Annual Meeting Proposals; Reverse Stock Split Process Commences to Remedy Nasdaq Delisting Notice - Yahoo Finance Wed, 17 Dec 2025 08
- What's Driving Ryvyl Stock's 24% After-Hours Surge? - Ryvyl (NASDAQ:RVYL) - Benzinga Fri, 23 Jan 2026 08
- Web3 media shift: RYVYL moves to acquire Roundtable ad platform via merger - Stock Titan hu, 15 Jan 2026 08
- $RVYL stock is up 10% today. Here's what we see in our data. - Quiver Quantitative Mon, 27 Oct 2025 07
- Ryvyl stock tumbles after announcing 1-for-35 reverse split - Investing.com ue, 30 Dec 2025 08
- RYVYL’s Roundtable merger clears key hurdle as Nasdaq signs off - Stock Titan ue, 20 Jan 2026 08
- Roundtable and RYVYL Inc. Confirm NASDAQ Compliance Ahead of Merger Plans | RVYL Stock News - Quiver Quantitative Wed, 15 Oct 2025 07
- RYVYL (NASDAQ: RVYL) sets Dec 15 meeting; Oct 31 record date amid proposed Roundtable deal - Stock Titan Wed, 29 Oct 2025 07
- Ryvyl Inc. Stock (RVYL) Opinions on Financial Deficit and Strategic Repositioning | RVYL Stock News - Quiver Quantitative Sat, 16 Aug 2025 07
- RYVYL Inc. Announces Merger with Roundtable to Launch Decentralized Media Liquidity Pool on Web3 SaaS Platform - Quiver Quantitative ue, 30 Sep 2025 07
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 46440 | 19998 | — | Stock Award(Grant) at price 0.29 - 0.70 per share. | ERREZ BEN | Chairman of the Board | — | 2025-08-20 00:00:00 | D |
| 1 | 46440 | 19998 | — | Stock Award(Grant) at price 0.29 - 0.70 per share. | NISAN FREDI | Chief Executive Officer | — | 2025-08-20 00:00:00 | D |
| 2 | 200000 | 71180 | — | Purchase at price 0.36 per share. | S8 GLOBAL FINTECH & REGTECH FUND | Beneficial Owner of more than 10% of a Class of Security | — | 2025-07-16 00:00:00 | D |
| 3 | 100000 | 82740 | — | Sale at price 0.83 per share. | S8 GLOBAL FINTECH & REGTECH FUND | Beneficial Owner of more than 10% of a Class of Security | — | 2025-07-01 00:00:00 | D |
| 4 | 114491 | 91050 | — | Purchase at price 0.79 - 0.80 per share. | S8 GLOBAL FINTECH & REGTECH FUND | Beneficial Owner of more than 10% of a Class of Security | — | 2025-06-30 00:00:00 | D |
| 5 | 103354 | 90573 | — | Purchase at price 0.77 - 0.88 per share. | S8 GLOBAL FINTECH & REGTECH FUND | Beneficial Owner of more than 10% of a Class of Security | — | 2025-06-26 00:00:00 | D |
| 6 | 200000 | 155400 | — | Purchase at price 0.75 - 0.80 per share. | S8 GLOBAL FINTECH & REGTECH FUND | Beneficial Owner of more than 10% of a Class of Security | — | 2025-06-24 00:00:00 | D |
| 7 | 15621 | 6413 | — | Sale at price 0.39 - 0.95 per share. | LANIADO EZRA | Director | — | 2025-06-05 00:00:00 | D |
| 8 | 90000 | 71100 | — | Stock Award(Grant) at price 0.79 per share. | KIRSCHER ZECHARIAH JOHN | Officer | — | 2025-04-08 00:00:00 | D |
| 9 | 3968 | 5000 | — | Stock Award(Grant) at price 1.26 per share. | MONTOYA DAVID S | Director | — | 2025-02-14 00:00:00 | D |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | -2.81M | 728.91K | 2.74K | -159.35K |
| TaxRateForCalcs | 0.21 | 0.21 | 0.00 | 0.27 |
| NormalizedEBITDA | -6.91M | -37.26M | -23.04M | -28.84M |
| TotalUnusualItems | -13.39M | 3.47M | 16.86M | -590.18K |
| TotalUnusualItemsExcludingGoodwill | -13.39M | 3.47M | 16.86M | -590.18K |
| NetIncomeFromContinuingOperationNetMinorityInterest | -26.82M | -53.10M | -49.24M | -35.27M |
| ReconciledDepreciation | 2.26M | 2.55M | 20.92M | 912.68K |
| ReconciledCostOfRevenue | 33.57M | 40.16M | 16.79M | 10.07M |
| EBITDA | -20.30M | -33.78M | -6.18M | -29.43M |
| EBIT | -22.57M | -36.34M | -27.09M | -30.34M |
| NetInterestIncome | -3.12M | -16.47M | -22.15M | -4.93M |
| InterestExpense | 3.12M | 16.47M | 22.15M | 4.93M |
| NormalizedIncome | -16.25M | -55.84M | -66.09M | -34.84M |
| NetIncomeFromContinuingAndDiscontinuedOperation | -26.82M | -53.10M | -49.24M | -35.27M |
| TotalExpenses | 65.54M | 78.17M | 70.75M | 55.51M |
| TotalOperatingIncomeAsReported | -20.89M | -12.30M | -37.84M | -29.21M |
| DilutedAverageShares | 191.26K | 150.05K | 130.21K | 116.31K |
| BasicAverageShares | 191.26K | 150.05K | 130.21K | 116.31K |
| DilutedEPS | -140.35 | -353.85 | -378.00 | -304.50 |
| BasicEPS | -140.35 | -353.85 | -378.00 | -304.50 |
| DilutedNIAvailtoComStockholders | -26.82M | -53.10M | -49.24M | -35.27M |
| NetIncomeCommonStockholders | -26.82M | -53.10M | -49.24M | -35.27M |
| NetIncome | -26.82M | -53.10M | -49.24M | -35.27M |
| NetIncomeIncludingNoncontrollingInterests | -26.82M | -53.10M | -49.24M | -35.27M |
| NetIncomeContinuousOperations | -26.82M | -53.10M | -49.24M | -35.27M |
| TaxProvision | 1.14M | 289.00K | -8.00K | 4.91K |
| PretaxIncome | -25.68M | -52.81M | -49.24M | -35.27M |
| OtherIncomeExpense | -13.02M | -24.04M | 10.74M | -1.14M |
| OtherNonOperatingIncomeExpenses | 370.00K | -27.51M | -6.11M | -548.61K |
| SpecialIncomeCharges | -13.40M | -3.07M | 0.00 | 0.00 |
| GainOnSaleOfPPE | 0.00 | 1.07M | 0.00 | |
| OtherSpecialCharges | 2.06M | 4.14M | 5.71M | -401.91K |
| ImpairmentOfCapitalAssets | 9.70M | 0.00 | ||
| RestructuringAndMergernAcquisition | 1.64M | 0.00 | ||
| GainOnSaleOfSecurity | 14.00K | 6.54M | 16.86M | -590.18K |
| NetNonOperatingInterestIncomeExpense | -3.12M | -16.47M | -22.15M | -4.93M |
| InterestExpenseNonOperating | 3.12M | 16.47M | 22.15M | 4.93M |
| OperatingIncome | -9.55M | -12.30M | -37.84M | -29.21M |
| OperatingExpense | 31.97M | 38.01M | 53.96M | 45.44M |
| DepreciationAmortizationDepletionIncomeStatement | 2.26M | 2.55M | 20.92M | 912.68K |
| DepreciationAndAmortizationInIncomeStatement | 2.26M | 2.55M | 20.92M | 912.68K |
| ResearchAndDevelopment | 3.85M | 5.76M | 6.28M | 3.87M |
| SellingGeneralAndAdministration | 25.86M | 29.70M | 26.77M | 40.66M |
| SellingAndMarketingExpense | 95.00K | 80.00K | 1.34M | 134.17K |
| GeneralAndAdministrativeExpense | 25.77M | 29.62M | 25.43M | 40.52M |
| OtherGandA | 11.30M | 15.75M | 11.91M | 20.01M |
| SalariesAndWages | 14.46M | 13.87M | 13.52M | 20.51M |
| GrossProfit | 22.43M | 25.71M | 16.12M | 16.23M |
| CostOfRevenue | 33.57M | 40.16M | 16.79M | 10.07M |
| TotalRevenue | 56.00M | 65.87M | 32.91M | 26.30M |
| OperatingRevenue | 56.00M | 65.87M | 32.91M | 26.30M |
| Line Item | 2022-12-31 | 2021-12-31 | ||
|---|---|---|---|---|
| TreasurySharesNumber | 0.00 | 2.04K | ||
| OrdinarySharesNumber | 229.49K | 171.34K | 142.08K | 122.38K |
| ShareIssued | 229.49K | 171.34K | 142.08K | 124.42K |
| NetDebt | 14.76M | 3.73M | 47.77M | |
| TotalDebt | 21.07M | 20.32M | 63.38M | 60.84M |
| TangibleBookValue | -22.15M | -8.32M | -35.41M | 15.34M |
| InvestedCapital | 15.87M | 39.40M | 59.81M | 88.77M |
| WorkingCapital | -8.16M | 4.32M | 22.48M | 72.33M |
| NetTangibleAssets | -22.15M | -8.32M | -35.41M | 15.34M |
| CapitalLeaseObligations | 3.70M | 4.41M | 1.64M | 1.53M |
| CommonStockEquity | -1.49M | 23.49M | -1.92M | 29.47M |
| PreferredStockEquity | 1.00K | 1.00K | ||
| TotalCapitalization | 15.87M | 39.40M | 59.81M | 88.77M |
| TotalEquityGrossMinorityInterest | -1.49M | 23.49M | -1.92M | 29.47M |
| StockholdersEquity | -1.49M | 23.49M | -1.92M | 29.47M |
| OtherEquityInterest | -7.00K | -9.85M | ||
| GainsLossesNotAffectingRetainedEarnings | -1.25M | 401.00K | 357.00K | 0.00 |
| OtherEquityAdjustments | -1.25M | 401.00K | 357.00K | |
| TreasuryStock | 0.00 | 4.93M | ||
| RetainedEarnings | -179.41M | -152.58M | -99.77M | -50.54M |
| AdditionalPaidInCapital | 179.16M | 175.66M | 97.49M | 94.75M |
| CapitalStock | 9.00K | 7.00K | 5.00K | 42.83K |
| CommonStock | 8.00K | 6.00K | 5.00K | 42.83K |
| PreferredStock | 1.00K | 1.00K | 0.00 | |
| TotalLiabilitiesNetMinorityInterest | 123.77M | 105.17M | 99.58M | 84.58M |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 20.23M | 19.63M | 62.84M | 60.34M |
| LongTermDebtAndCapitalLeaseObligation | 20.23M | 19.63M | 62.84M | 60.34M |
| LongTermCapitalLeaseObligation | 2.86M | 3.72M | 1.11M | 1.04M |
| LongTermDebt | 17.36M | 15.91M | 61.73M | 59.31M |
| CurrentLiabilities | 103.54M | 85.54M | 36.74M | 24.24M |
| OtherCurrentLiabilities | 240.00K | 504.00K | 582.00K | 19.74M |
| CurrentDebtAndCapitalLeaseObligation | 839.00K | 692.00K | 534.00K | 495.13K |
| CurrentCapitalLeaseObligation | 839.00K | 692.00K | 534.00K | 495.13K |
| CurrentDebt | 14.45K | 18.73M | ||
| OtherCurrentBorrowings | 14.45K | 18.73M | ||
| CurrentNotesPayable | 0.00 | 0.00 | ||
| PayablesAndAccruedExpenses | 102.46M | 84.35M | 35.62M | 4.01M |
| CurrentAccruedExpenses | 8.04M | 5.23M | 3.72M | 1.23M |
| InterestPayable | 366.00K | 0.00 | 1.73M | 1.23M |
| Payables | 94.43M | 79.12M | 31.90M | 2.78M |
| TotalTaxPayable | 110.00K | 528.00K | 1.36M | |
| AccountsPayable | 94.32M | 78.59M | 30.54M | 2.78M |
| TotalAssets | 122.28M | 128.66M | 97.66M | 114.05M |
| TotalNonCurrentAssets | 26.89M | 38.80M | 38.44M | 17.42M |
| OtherNonCurrentAssets | 2.64M | 2.40M | 1.72M | 190.64K |
| InvestmentsAndAdvances | 1.52M | 0.00 | ||
| GoodwillAndOtherIntangibleAssets | 20.66M | 31.81M | 33.49M | 14.13M |
| OtherIntangibleAssets | 1.80M | 5.06M | 6.74M | 7.58M |
| Goodwill | 18.86M | 26.75M | 26.75M | 6.55M |
| NetPPE | 3.59M | 4.58M | 3.23M | 3.11M |
| AccumulatedDepreciation | -444.00K | -293.00K | -224.00K | -82.63K |
| GrossPPE | 4.03M | 4.88M | 3.45M | 3.19M |
| OtherProperties | 3.61M | 4.45M | 1.70M | 1.63M |
| MachineryFurnitureEquipment | 423.00K | 428.00K | 396.00K | 257.22K |
| BuildingsAndImprovements | 0.00 | 1.36M | 1.30M | |
| LandAndImprovements | 75.00K | |||
| Properties | 0.00 | 0.00 | 0.00 | |
| CurrentAssets | 95.38M | 89.86M | 59.22M | 96.57M |
| OtherCurrentAssets | 2.19M | 2.85M | 9.80M | 28.97K |
| RestrictedCash | 89.43M | 61.14M | 26.87M | 514.49K |
| PrepaidAssets | 6.42M | |||
| Inventory | 302.04K | 286.36K | ||
| InventoriesAdjustmentsAllowances | -3.13K | |||
| OtherInventories | 289.49K | |||
| Receivables | 1.16M | 13.69M | 8.58M | 6.69M |
| NotesReceivable | 0.00 | 0.00 | ||
| AccountsReceivable | 1.16M | 13.69M | 8.58M | 6.69M |
| AllowanceForDoubtfulAccountsReceivable | -295.00K | -2.66M | -4.00M | -13.41M |
| GrossAccountsReceivable | 1.46M | 16.35M | 12.58M | 20.11M |
| CashCashEquivalentsAndShortTermInvestments | 2.60M | 12.18M | 13.96M | 89.05M |
| CashAndCashEquivalents | 2.60M | 12.18M | 13.96M | 89.05M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 19.38M | 33.05M | -10.01M | -23.17M |
| RepurchaseOfCapitalStock | -4.06M | -14.79M | ||
| RepaymentOfDebt | -12.00K | -3.02M | -6.00M | 0.00 |
| IssuanceOfDebt | 0.00 | 77.15M | ||
| IssuanceOfCapitalStock | 0.00 | 7.00K | 0.00 | 45.81M |
| CapitalExpenditure | -1.81M | -108.00K | -662.00K | -158.86K |
| InterestPaidSupplementalData | 300.00K | 2.71M | 5.75M | 2.50M |
| IncomeTaxPaidSupplementalData | 848.00K | 199.00K | 0.00 | 0.00 |
| EndCashPosition | 92.03M | 73.32M | 40.83M | 89.56M |
| BeginningCashPosition | 73.32M | 40.83M | 89.56M | 1.83M |
| EffectOfExchangeRateChanges | -430.00K | 44.00K | 357.00K | 0.00 |
| ChangesInCash | 19.14M | 32.44M | -49.08M | 87.73M |
| OtherCashAdjustmentInsideChangeinCash | 0.00 | 16.72M | 1.49M | |
| FinancingCashFlow | -241.00K | -3.01M | -10.05M | 111.90M |
| CashFlowFromContinuingFinancingActivities | -241.00K | -3.01M | -10.05M | 111.90M |
| NetOtherFinancingCharges | -229.00K | |||
| ProceedsFromStockOptionExercised | 0.00 | 8.00K | 3.73M | |
| NetCommonStockIssuance | 0.00 | 7.00K | -4.06M | 31.02M |
| CommonStockPayments | -4.06M | -14.79M | ||
| CommonStockIssuance | 0.00 | 7.00K | 0.00 | 45.81M |
| NetIssuancePaymentsOfDebt | -12.00K | -3.02M | -6.00M | 77.15M |
| NetShortTermDebtIssuance | -6.00M | 0.00 | ||
| ShortTermDebtPayments | -6.00M | 0.00 | ||
| ShortTermDebtIssuance | 0.00 | |||
| NetLongTermDebtIssuance | -12.00K | -3.02M | -6.00M | 77.15M |
| LongTermDebtPayments | -12.00K | -3.02M | -6.00M | 0.00 |
| LongTermDebtIssuance | 0.00 | 77.15M | ||
| InvestingCashFlow | -1.81M | 2.29M | -46.41M | -2.66M |
| CashFlowFromContinuingInvestingActivities | -1.81M | 2.29M | -46.41M | -2.66M |
| NetOtherInvestingChanges | -2.18M | |||
| NetBusinessPurchaseAndSale | 0.00 | -225.00K | -45.75M | -2.50M |
| PurchaseOfBusiness | 0.00 | -225.00K | -45.75M | -2.50M |
| NetIntangiblesPurchaseAndSale | -114.00K | 0.00 | -500.00K | |
| PurchaseOfIntangibles | -114.00K | 0.00 | -500.00K | |
| NetPPEPurchaseAndSale | -47.00K | 2.51M | -162.00K | -158.86K |
| SaleOfPPE | 0.00 | 2.62M | 0.00 | |
| PurchaseOfPPE | -47.00K | -108.00K | -162.00K | -158.86K |
| CapitalExpenditureReported | -1.65M | 0.00 | ||
| OperatingCashFlow | 21.19M | 33.16M | -9.34M | -23.01M |
| CashFlowFromContinuingOperatingActivities | 21.19M | 33.16M | -9.34M | -23.01M |
| ChangeInWorkingCapital | 30.62M | 50.95M | 10.71M | -8.66M |
| ChangeInOtherCurrentLiabilities | 14.03M | 47.86M | 10.52M | -10.92M |
| ChangeInOtherCurrentAssets | -160.00K | -1.18M | -6.00K | 686.88K |
| ChangeInPayablesAndAccruedExpense | 3.56M | 2.81M | 4.33M | 1.27M |
| ChangeInAccruedExpense | 1.86M | 2.63M | 3.16M | 1.23M |
| ChangeInInterestPayable | 366.00K | 546.00K | 502.00K | 1.23M |
| ChangeInPayable | 1.70M | 189.00K | 1.16M | 41.35K |
| ChangeInAccountPayable | 1.70M | 189.00K | 1.16M | 41.35K |
| ChangeInPrepaidAssets | 664.00K | 6.57M | -1.54M | 47.82K |
| ChangeInInventory | -15.68K | -161.86K | ||
| ChangeInReceivables | 12.53M | -5.11M | -2.58M | 419.74K |
| ChangesInAccountReceivables | -155.00K | 297.00K | -1.37M | 0.00 |
| OtherNonCashItems | 4.82M | 38.52M | 22.15M | 15.99M |
| StockBasedCompensation | 624.00K | 1.85M | 2.97M | 3.70M |
| AssetImpairmentCharge | 9.70M | 0.00 | ||
| DepreciationAmortizationDepletion | 2.26M | 2.55M | 20.92M | 912.68K |
| DepreciationAndAmortization | 2.26M | 2.55M | 20.92M | 912.68K |
| Depreciation | 20.92M | 912.68K | ||
| OperatingGainsLosses | -14.00K | -7.61M | -16.86M | 317.46K |
| GainLossOnInvestmentSecurities | -14.00K | -6.54M | -16.86M | 590.18K |
| GainLossOnSaleOfPPE | 0.00 | -1.07M | 0.00 | |
| NetIncomeFromContinuingOperations | -26.82M | -53.10M | -49.24M | -35.27M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for RVYL
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|